TD 的 self-direct spousal RRSP account

[hh_ca]

提醒谁有 TD self-directed spousal rrsp account。做online contribution 时如果从td canada trust webpage transfer， 给你的receipt 是 self contribution 而不是 spousal contribution。 只有在 TD 的webbroker website transfer时才有option self contibution or spousal contribution。



正在要求TD改正这个错误。 查了查去年的file， 发现receipt 也是 self contribution 而不是应该的spousal contribution。 但报税时用得是spousal的room。请问要不要写信给CRA改正？

 

[mooncake]

提醒谁有 TD self-directed spousal rrsp account。做online contribution 时如果从td canada trust webpage transfer， 给你的receipt 是 self contribution 而不是 spousal contribution。 只有在 TD 的webbroker website transfer时才有option self contibution or spousal contribution。



正在要求TD改正这个错误。 查了查去年的file， 发现receipt 也是 self contribution 而不是应该的spousal contribution。 但报税时用得是spousal的room。请问要不要写信给CRA改正？

quote from CRA web site

Contributions you make to a spousal or common-law partner RRSP reduce your RRSP deduction limit. The total amount you can deduct for contributions you make to your RRSP or your spouse's or common-law partner's RRSP cannot be more than your RRSP deduction limit. For more information, see How much can I contribute and deduct?

你不能用你配偶的RRSP limit去deduct你自己的income.

 

[ryanzh]

给spousal RSP 不都是deduct自己的 contribution limit么？

 

[hh_ca]

deduction 做对了。 只是这个receipt 是错的。



TD 的这个spousal SDRSP 帐户非常misleading，你自己或spouse 都可以contribute。原来以为只是spouse可以。即任何contribution to this account will be automatically spousal contribution。其实不是这么回事

 

[楚风]

spousal RRSP 自从有了pensioner income split后，就基本没什么用途了。